As a self-employed interior designer, you can combine colors, textures, and shapes to create beautiful living spaces according to your clients’ needs. However, you must ensure that your business keeps up with the financial side of things. 

Per the Bureau of Labor Statistics (BLS), a quarter of interior designers work independently. While this gives you the freedom to choose the projects you want to work on, it also means that you are responsible for your financial well-being. So it’s necessary to safeguard the success of your business.

Business insurance is important for interior designers to protect themselves and their companies from potential lawsuits that could result in high costs. Here are four practical reasons you need this policy:

Business Interruptions

Professional liability insurance is necessary for interior designers as it protects if clients claim negligence or breach of contract. This type of insurance covers any mistakes made while providing professional advice or services and any costs related to late or incorrect work. Furthermore, it can protect against lawsuits resulting from business failure or bankruptcy.

For example, suppose a ten-foot-high, 250-pound mirror came crashing down on unsuspecting diners at a restaurant, and one man was sent to the hospital because of his injuries. In that case, the designer could be held responsible for causing physical and financial damage due to negligence in their professional duties.  Errors and omissions insurance can cover legal defense costs, settlements, and claims in case of a lawsuit for a breach of contract or negligent behavior related to the job.


A business policy is a great way to show your staff that you value their safety and well-being. It offers coverage if an employee becomes sick or injured while working, meaning they will receive financial assistance if needed. This kind of policy also helps protect your business from potential legal issues. Investing in this insurance provides peace of mind for you and your employees.

Professional Liability

Business insurance can also cover equipment and structure in natural disasters, fire, vandalism, and theft. Business interruption coverage can help pay the bills or set up a shop in a temporary space while their premises are out of commission.

Additionally, interior designers can protect their businesses from cyber security breaches by investing in cyber insurance, which can be added to their policy as a rider.

Third-Party Injury and Property Damage

Commercial General Liability (CGL) insurance covers the cost of damages or injuries caused to someone else by you or your organization. It protects you if you are found legally responsible for an accident resulting in bodily injury or property damage. It can even cover medical bills for any third-party injured due to your operations. 

This type of insurance is often called “slip ‘n’ fall” coverage, as it covers the costs associated with accidentally injuring somebody or damaging their property.

Designers who make and sell their products need to have adequate insurance in case someone sues them due to a product they made being defective. For example, if a mirror made and sold by a designer fell and injured someone, their insurance would cover the costs of the lawsuit.

In Summary

A business coverage policy protects your entire profession from damages you may have overlooked or cases where you are blamed for the hurt caused by someone else. Find out how you can get coverage from a legitimate broker now!

Talk to Pascal Burke Insurance Brokerage Inc.

We specialize in protecting commercial contractors with policies that meet specific needs and provide flexible payment terms (annual or monthly). Save 40 percent on business insurance in Lubbock, TX, by calling us at (877) 893-7629!